What is this site trying to accomplish?

Give you information on health and life insurance issues

  • Basics, important details, new developments; illustrations.
  • The importance of shopping around for quality and savings.
  • Types of coverages and their use in various situations.
  • Advantages of dealing with brokers.
  • Caveats and facts on frequent myths and objections.


... and on some aspects of financial planning, especially as they relate to insurance and mutual fund investments.

  • Various applications of tax-advantaged investment in insurance policies.
  • Useful and faulty investment strategies and tactics.
  • Lessons from history of markets, - illustrations by charts.
  • New developments that deserve attention, - in newsletter.
  • Opinion on some controversial issues.

Offer you my services


  • Free, non-committing consultation on many aspects of protecting and nurturing financial assets.
  • Responsible, well-prepared, and circumspect service.
  • No hiding of own interest.
  • Detailed illustrations / insurance policies from dozens of companies.
  • Comprehensive or modular financial planning, with or without accompanying offering of financial products and ongoing financial management services














Top page (on personal financial planning)

Key areas:

Life and health insurance (including disability, critical illness, and long-term care protection)

If you are / have ...

These web pages are for information purposes only. The information contained and presented, while based on and obtained from sources we believe to be reliable, is not guaranteed either as to its accuracy or completeness. The content of these web pages is solely the work of the author, Laszlo Kramar.

The views (including any recommendations) expressed on these pages are those of the author alone, and they have not been approved by anybody. Neither the information nor any opinion expressed herein constitutes an offer, or an invitation to make an offer, to buy or sell any product discussed or referred to in these web sites. These web pages are for educational purposes only and are not intended for use by residents of the United Sates; nor are they intended as an offer or solicitation in any jurisdiction outside of Ontario, Canada. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

(c) Copyright 1997-2006 László Kramár. All Rights Reserved.